{"schema_version":"secwatch.filing_event.v1","accession":"0000070858-23-000005","form_type":"8-K","ticker":"BAC","cik":"0000070858","company_name":"BANK OF AMERICA CORP /DE/","filed_at":"2023-01-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.821022+00:00","generated_at":"2026-06-20T15:40:38.368937+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"BAC Q4 net income $7.1B ($0.85 EPS), revenue +11% to $24.5B, NII +29%","bullets":["Q4 net income $7.1B vs $7.0B YoY; diluted EPS $0.85 vs $0.82; full-year net income $27.5B ($3.19 EPS).","Revenue $24.5B +11%; NII $14.7B +29% on higher rates and loan growth; noninterest income $9.9B -8%.","Provision for credit losses $1.1B (reserve build $403M) vs net release $851M in Q4-21; net charge-offs $689M.","Average loans +10% to $1.0T (commercial + credit card); deposits -5% to $1.9T; CET1 ratio 11.2% (+25bps QoQ).","Record Q4 sales & trading revenue $3.5B; Consumer Banking net income $3.6B +15%; GWIM net income $1.2B -2%."],"urls":{"canonical":"https://secwatch.observer/filing/0000070858-23-000005","json":"https://secwatch.observer/filing/0000070858-23-000005.json","markdown":"https://secwatch.observer/filing/0000070858-23-000005.md","text":"https://secwatch.observer/filing/0000070858-23-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/70858/000007085823000005/0000070858-23-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/70858/000007085823000005/bac-20230113.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T15:40:38.368937+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"14367bdf506fda0b732f067edfc7cfbe86d8cc35","claim":"BANK OF AMERICA CORP /DE/ reported Q4 2022 results: revenue 24.5, net income 7.1, EPS 0.85.","evidence_excerpt":"2022 Net Income of $27.5 Billion; EPS of $3.19 2 Bank of America Financial Highlights ($ in billions, except per share data) Q4-22 Q4-21 Total revenue, net of interest expense $24.5 $22.1 Provision for credit losses 1.1 (0.5) Noninterest expense 15.5 14.7 Pretax income 7.9 7.8 Pretax, pre-provision income1(D) 9.0 7.3 Income tax expense 0.8 0.8 Net Income 7.1","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/70858/000007085823000005/0000070858-23-000005-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"Q4 2022"},{"label":"Revenue","value":"24.5"},{"label":"Net income","value":"7.1"},{"label":"EPS","value":"0.85"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"8b8146dde33781659d9ee32f60bfb3d5be361d03","claim":"BANK OF AMERICA CORP /DE/ reported FY 2022 results: revenue 95.0, net income 27.5, EPS 3.19.","evidence_excerpt":"tax expense 0.8 0.8 Net Income 7.1 7.0 Diluted earnings per share $0.85 $0.82 ($ in billions, except per share data) FY 2022 FY 2021 Total revenue, net of interest expense $95.0 $89.1 Provision for credit losses 2.5 (4.6) Noninterest expense 61.4 59.7 Pretax income 31.0 34.0 Pretax, pre-provision income1(D) 33.5 29.4 Income tax expense 3.4 2","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/70858/000007085823000005/0000070858-23-000005-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"FY 2022"},{"label":"Revenue","value":"95.0"},{"label":"Net income","value":"27.5"},{"label":"EPS","value":"3.19"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}